UK Private Car Insurance Market Using Data Analytics / John Knowles 2011 Copyright Allianz UK
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1 1
2 Navigating the most competitive insurance market John Knowles Director, IT and Offshore Operations August 2011
3 Agenda 1. Introduction to Allianz & the UK Company 2. The UK motor market: How it has evolved Why it s such a difficult place to make money 3. The response from insurers and current opportunities 4. Analytics culture: building & sustaining it 5. The road ahead: even more data! 3
4 As Allianz we are... servicing 76 million customers in 70 countries among the top 20 of the world s largest corporations insuring the majority of the Global Fortune 500 companies the world s largest P&C insurer based on revenues largest global assistance provider worldwide leader in credit insurance among the world s largest asset managers 4
5 In the UK we are... in the world s oldest, most innovative insurance market one of the UK s largest general insurers established over 100 years General Insurer of the Year 3 times in last 7 years financially strong and secure challenged by, probably, the world s most competitive and sophisticated motor insurance market 5
6 The UK Motor Market is in a continuous state of change 6
7 And is a very difficult place to make money UK Motor Market 2010 Historical Net Combined Ratios During the last 20 years most providers have experienced adverse results 7
8 The consumer has multiple routes to product providers 8
9 Current challenges include... price transparency aggregators legal environment compensation culture accident management companies / credit hire spiralling legal / medical referral fees increased fraud regulatory intervention 9
10 To succeed, the insurer must access much more data which... needs more analysis, more skills and more collaboration... 10
11 Analysis builds on established expertise with own data comprehensive insurance experience datasets overlaid with various external datasets sophisticated rating engines, frequently refined based on own & external data extensive modeling (GLiM) to understand individual contributions and relationship to external factors prices optimised for distribution channels, marketing and underwriters collaborating periodicity reduced from weeks to daily and even more frequently vast new data sources from aggregators feedback loop to quotation stage blending in external data with client application 11
12 Building and sustaining the analytics culture: action in many areas commitment begins at the top the belief in outstanding technical skills & professionalism is at the heart of our mission statement applies to all disciplines Underwriting Academy founded 10 years ago; leader in the UK support for & celebration of professional exams increasing team sizes increasing collaboration across disciplines external search for new data knowledge sharing across Allianz Group shift to shared facilities 12
13 The road ahead... Even more data: e.g. national policy/claims databases, with access to driving licence information. Telematics: GPS ~ where you are and when Accelerometer ~ how you re moving a whole new world of data for marketers & underwriters. 13
14 Thank you for your attention. 14
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